New financial year, new risks? A simple insurance check for NDIS providers

New financial year, new goals: does your NDIS insurance still fit?

A new financial year means new goals, new plans, and for many allied health providers, a business that looks a little different to the one they had this time last year.

For a lot of NDIS providers and support workers, the past year may have brought more clients, more responsibilities, and more services added to the mix. What started as one clear role can quickly turn into something broader, especially in allied health and disability support. But while your business keeps moving, your insurance does not always keep up automatically.

That’s why now it’s a good time for a quick check-in. If your work has changed, even slightly, it is worth making sure your cover still matches what you actually do right now.

INSTANT QUOTE ONLINE

You will need:
1. Your ABN
2. An estimate of your Yearly Income (How do I calculate this?)

1. Are all your services listed?

A lot of providers start out doing one clear type of work, but over time, that role can expand. Maybe you began as a support worker, but now you also help with transport, behaviour support, or basic therapy assistance as part of your day-to-day work. That matters when it comes to insurance.

Insurance providers often look at the work you do through your listed occupations, including your main occupation and any supplementary ones. If your day-to-day responsibilities have grown but your policy has not been updated to reflect that, there is a chance your cover may no longer line up neatly with the work you are actually doing.

2. Has your work changed this year?

The more your work changes, the more your risk can change too. More clients can mean more exposure. Different client needs can mean more hands-on support. And higher risk work can bring a greater chance of something going wrong.

Even if the changes feel minimal, they are worth paying attention to. What looked right for your business a year ago may not be the best fit now.

3. Are your limits still enough?

The limit on your policy is the maximum amount your insurer may pay for a covered claim. So if your business has grown over the past year, it is important to make sure your current limits are still enough to cover the work you are doing now.

If you are supporting more clients than you were this time last year, taking on more responsibilities, or working in more complex situations, there is simply more room for something to go wrong.

More exposure can mean a higher chance of a claim. And if a claim does happen, the cost can be much bigger than expected once legal fees, compensation, and other associated expenses are factored in.

4. Are you covered for how you deliver your services?

A lot of NDIS providers and support workers deliver services across different settings. That might mean working in a participant’s home, transporting clients between appointments, or even providing support or guidance virtually. And each of those settings can come with its own risks.

For example, in-home support may involve working in someone else’s environment, which you do not control. Community-based support can mean more moving parts, more public interaction, and more chances for accidents to happen. Transport brings its own exposure especially when clients are getting in and out of vehicles or relying on you to travel safely. And virtual support may feel lower risk physically, but it can still involve advice, guidance, and more digital data management.

If your cover was arranged when your work looked a little different, or if you have since expanded into transport or remote support, you might want to make sure your insurance still fits. Because the work may all sit under the same business, but the exposure does not always look the same.

INSTANT QUOTE ONLINE

You will need:
1. Your ABN
2. An estimate of your Yearly Income (How do I calculate this?)

Why Professional Indemnity insurance and Public Liability insurance matter in NDIS work

For many NDIS providers, the challenge is making sure you have the right kind of cover for the work you actually do.

Public Liability insurance covers claims involving injury to a third-party or damage to their property. For example, if a client is injured while you are supporting them, or something in their home is accidentally damaged during a visit, that is generally the kind of situation Public Liability helps provide protection for.

Professional Indemnity insurance is designed for claims alleging harm or loss as a result of errors or omissions in the advice or professional services you provide. For example, if NDIS provider gives a patient an exercise or therapy-related recommendation and that advice leads to further injury, that could result in a Professional Indemnity claim.

An NDIS provider may be helping with physical support one moment, then giving advice or recommendations the next. So both Public Liability insurance and Professional Indemnity insurance may play an important role in helping protect the work you do.

The case for choosing Allied Health Combined Liability insurance

Allied Health Combined Liability insurance is a bundled insurance package that combines Public Liability and Professional Indemnity into one policy, tailored for allied health professionals and NDIS-related roles.

So instead of managing one policy for injury or property damage claims and another for claims related to your professional services, you can keep both under the one roof. One policy means less admin, a simpler renewal process, and fewer details to keep on top of. It is easier to manage, easier to review, and easier to fit into the day-to-day reality of running a busy NDIS practice.

This policy is also designed with allied health roles and NDIS roles in mind. That means it is built around the kinds of risks that can come with providing the kind of support and care services you do every day.

Get cover that fits the work you actually do

When you are busy supporting clients, the last thing you need is complicated insurance slowing you down. That is why Allied Health Combined Liability cover can be such a practical option.

MyCareSpace has partnered with BizCover to make it easy for NDIS providers and support workers to find cover that suits the way they work. You can compare quotes online in minutes, explore cover tailored for your business and get covered without a fuss.

When you’re ready to tick insurance off your list for the new financial year, visit BizCover today.

INSTANT QUOTE ONLINE

You will need:
1. Your ABN
2. An estimate of your Yearly Income (How do I calculate this?)

This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording or Product Disclosure Statement (available on our website). Please consider whether the advice is suitable for you before proceeding with any purchase. Target Market Determination document is also available (as applicable).

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